First & second mortgage Non Bank lending solutions with bad credit or hard to prove income

We do what banks don’t with bad credit home loans & IRD tax issues

Do you have a bad credit history but want to apply for a home loan? You may be facing financial challenges, late repayments, a sickness or bereavement.
Maybe you have been made redundant or your business has failed?

Sometimes it is an IRD issue with overdue GST or tax, and your bank will not help. We have assisted many clients pay their tax, and with the help of
an accountant negotiate lower settlements with the IRD.

At First Rate we understand life’s ups and downs, and are sympathetic to your situation. We have a strong understanding of non bank, private investors
or recovery loans, and can provide solutions if you are looking to for a bad credit home loan, to refinance, consolidate debts, pay tax, prevent a
mortgagee sale, or simply for a second chance .

We specialise in helping people in these times of need, we return phone calls and are prepared to listen and work through bad credit and repayment issues,
to find a non bank lending home loan solution for you. Call us today to chat to one of our friendly team members.

“Yvonne and Kim have transformed our lives with the lender they were able to source for us. Yvonne was very thorough, genuinely cared and really went the extra mile. I will be forever grateful to First Rate Mortgages for the help they gave my family. I highly recommend them and have already referred a friend.”